The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$70,770
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,971
−HK$2,236/mo
Today · 4.125%
HK$75,207
baseline
▲ 0.50% · 4.625%
HK$79,784
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,414/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,730
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,842
−HK$2,142/mo
Today · 4.125%
HK$82,984
baseline
▲ 0.50% · 4.625%
HK$87,358
+HK$4,374/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,968/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,924
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,565
−HK$2,684/mo
Today · 4.125%
HK$90,249
baseline
▲ 0.50% · 4.625%
HK$95,740
+HK$5,491/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,498/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,477
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,010
−HK$2,571/mo
Today · 4.125%
HK$99,581
baseline
▲ 0.50% · 4.625%
HK$104,830
+HK$5,249/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,162/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,077
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,159
−HK$3,131/mo
Today · 4.125%
HK$105,290
baseline
▲ 0.50% · 4.625%
HK$111,697
+HK$6,407/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,580/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,223
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,179
−HK$2,999/mo
Today · 4.125%
HK$116,178
baseline
▲ 0.50% · 4.625%
HK$122,302
+HK$6,124/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,356/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,385
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$131,348
−HK$4,025/mo
Today · 4.125%
HK$135,373
baseline
▲ 0.50% · 4.625%
HK$143,611
+HK$8,238/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,746/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,715
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$145,516
−HK$3,855/mo
Today · 4.125%
HK$149,371
baseline
▲ 0.50% · 4.625%
HK$157,245
+HK$7,874/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,742/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,023 · Scale 2, in force from 26 Feb 2026)